You can get loans for new house decoration, and most banks have decoration loan business. When applying for decoration loans, you need to meet the following conditions: 1. Have a local permanent residence or residence status. 2. Have stable income and be able to repay principal and interest when due. 3. Provide relevant financial certificates, bank statements, etc. 4. House sales contract and house purchase information, etc. There are three commonly used loan methods for new house decoration: 1. If the house has a mortgage, you can get a loan through a house mortgage. The interest rate of this kind of loan is not high, and the loan amount you can get is relatively higher. It is just used for real estate. For mortgages, there are more steps to review and it will take more time. 2. Take a mortgage loan. If it is too complicated, you can also choose a more convenient method. Personal credit loan is more suitable for owners with stable legal income, and the approval will be faster, but the amount will not be too high. 3. You can apply for a loan by credit card installment, which is more convenient and has a simple approval process.